The Northeast Community Credit Union is a personal credit card from Northeast Community Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a Purchases: 0% introductory APR for the first 12 billing cycles. Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. introductory rate. Signup bonus: Earn 15,000 points (worth up to $150) When you spend $500 within the first 90 days. Rewards: 4X points On dining, takeout and restaurant delivery on your first $2,000 each quarter; 2X points At grocery stores,** gas stations and EV charging stations,** and eligible streaming services; 1X points On all other eligible purchases.